Cycling Ireland insurance

Daroxtar

So, I had a spill over the weekend and have a few days hospital stay plus out of work for probably 6 weeks. Anyone have any experience claiming hospital expenses and loss of earnings on their CI insurance? What are they like to deal with?

iwillhtfu

Are you a member of a club and was it an organised training spin or race? They'll only cover you for €150/week less the first week. I'd say their policy is underwritten by a larger insurance company so should be a straight forward affair just keep a record of your expenses.

http://www.cyclingireland.ie/page/membership/insurance

ED E

Daro crashed on the Orwell Randonee (a sportive).

Daroxtar

Ya I'm in a club and the spill was on the Orwell Randonee.

iwillhtfu

Daroxtar wrote: »

Ya I'm in a club and the spill was on the Orwell Randonee.

It should hopefully be straight forward so. Heal well

Cionn

Does anyone know if there is any way to "boost" the cycling Ireland insurance. It might be worth it for some Pepe who depend on their income

magicbastarder

iwillhtfu wrote: »

http://www.cyclingireland.ie/page/membership/insurance

There is also an inner limit of €250 for physiotherapy expenses.

is that a typo, or does inner limit actually mean something?

Del2005

Cionn wrote: »

Does anyone know if there is any way to "boost" the cycling Ireland insurance. It might be worth it for some Pepe who depend on their income

You can take out your own income protection insurance.

Cionn

Yep but that is up to the individual. I was more thinking of say a €50 annual cost for club members to boost up the cover from cycling Ireland.

Shoco83

Just make sure you open your claim within 30 days of the incident.

Keep a copy of all expenses and it should be straight forward once you fill out the forms they send.

Cee-Jay-Cee

iwillhtfu wrote: »

Are you a member of a club and was it an organised training spin or race? They'll only cover you for €150/week less the first week. I'd say their policy is underwritten by a larger insurance company so should be a straight forward affair just keep a record of your expenses.

http://www.cyclingireland.ie/page/membership/insurance

Does that make any difference? Are you not covered if you were out on your own on a training spin??? I'm a member of a club but cycle on my own 95% of the time, I understood that I was covered even if out on my own on a training spin...

doiredoire

Cee-Jay-Cee wrote: »

Does that make any difference? Are you not covered if you were out on your own on a training spin??? I'm a member of a club but cycle on my own 95% of the time, I understood that I was covered even if out on my own on a training spin...

You are covered anytime you are cycling with a club or on your own. It covers commuting, training and racing

iwillhtfu

Cee-Jay-Cee wrote: »

Does that make any difference? Are you not covered if you were out on your own on a training spin??? I'm a member of a club but cycle on my own 95% of the time, I understood that I was covered even if out on my own on a training spin...

The reason I asked about the club is it would be easier to prove if questioned. I'd say they put that stipulation to offer them some kind of protection for lads cycling home with a few jars on them.

cython

doiredoire wrote: »

You are covered anytime you are cycling with a club or on your own. It covers commuting, training and racing

Policy documents are less clear-cut (my emphasis):

http://www.cyclingireland.ie/downloads/summaryofcovercyclingirelandfull-compressed.pdf wrote:

Personal Accident – Features and Benefits
(Included within Cycling Ireland Membership and valid for registered members and/or Clubs Only)
Personal Accident covers all registered Cycling Ireland members of each affiliated Club (including committee members, coaches and officials) for a range of benefits payable in the event of an accidental injury during participation, including training and travelling to and from events or training sessions. Training is deemed to be official sanctioned training only. Travelling is only covered whilst as a member of an organised party under the direction of the Insured, and specifically excludes any travel by motorcycle.

On the other hand, they have a source that muddies this, as sanctioned training and cycling on your own (as a club member), seem somewhat mutually exclusive: http://www.cyclingireland.ie/page/insurance/insurance-overview

Am I covered for cycling on my own?

Yes, provided it forms part of your ongoing training.

This has been a discussion point on here repeatedly in the past, and I've seen it swing back and forth between interpretations over the course of a few years at this point.

buffalo

cython wrote: »

Policy documents are less clear-cut (my emphasis)

I was wondering too if that had changed, but never got around to checking the docs. Commuting is only covered if you're training while commuting.

I was travelling by bike to Sundrive a few years ago and had an accident. I was covered - albeit a relatively small amount for damage caused to a third party's car - without really questioning was I travelling or training or commuting.

Mercian Pro

magicbastarder wrote: »

is that a typo, or does inner limit actually mean something?

After a recent accident I requested a claim form from CI. Their brokers emailed one to me and their email included the following:


"Medical Expenses are covered up to a limit of €2,500 with a policy excess of €250.00, an inner limit of €500 for physio expenses, and an excess of €250.
In the event that any private medical insurance have paid or are paying part of the claim, we will require a letter stating the exact amounts paid. We will then obtain payment for the balance, no excess will apply. Medical expenses cover is for 12 months from the date of the injury. Physiotherapy expenses may only be submitted where a referral from a medical practitioner has been obtained & is a direct result of sustaining Bodily Injury resulting in Broken Bones or Primary Dislocation."


As I'm retired and the only medical expense so far was the standard €100 hospital A&E charge (covered 4 physio sessions too), I have told them I won't be making a claim unless I end up going back for more medical treatment. I still don't know either what an "inner limit" is.



A clubmate who broke his collarbone in the same crash isn't too impressed with the cover. His own medical insurance covered the hospital charges and his employer allowed him 8 weeks sick leave but to get €150 a week for a couple more weeks out of work, he had to produce original receipts. As his private medical insurer already had these, it was too much hassle to get them back for the CI claim.

cdaly_

"inner limit" means that physio expenses in excess of €500 will not be paid even if your total medical expenses are within the overall limit of €2,500. So you cannot claim physio expenses up to €2,500.